There are three accessible casinos where the player can gamble. There is a variety of activities to wager money on. The player can borrow money from the casino, leading to a negative money value. If the money is not repaid, Carl will get phone calls from loan sharks threatening him to pay up soon or he will be physically harmed. If money is still not repaid, loan sharks armed with Micro Uzis and AK-47s will show up in black Vincents and attempt to kill Carl. The loan sharks carry a lot of money so money can be repaid by simply killing them and picking up their cash.